Home insurance with coal stove?
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Has anyone had issues getting there home insured with the insurance company knowing you have a coal stove here in ny there not very popular and the insurance company doesn’t quit understand them like a wood or pellet stove they claim it needs to be professionally installed and inspected every 3 years my worse fear is something happening when I’m at work which typically is 18 hour days by the time I leave and come home. And worried if something happened insurance would not cover the house.
- Retro_Origin
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Erie just asked me to send a picture of the unit to be sure I didn't have gasoline cans or piles of drier lint stacked near by...they were so easy and workable!Soccer918843 wrote: ↑Sat. Apr. 09, 2022 9:59 amHas anyone had issues getting there home insured with the insurance company knowing you have a coal stove here in ny there not very popular and the insurance company doesn’t quit understand them like a wood or pellet stove they claim it needs to be professionally installed and inspected every 3 years my worse fear is something happening when I’m at work which typically is 18 hour days by the time I leave and come home. And worried if something happened insurance would not cover the house.
Whoops, sorry I just saw you said NY and I'm in PA. Sorry don't know how to delete this post.
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- Hand Fed Coal Stove: ds circultor1500 \chubby coal stove
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- Other Heating: kerosene\cold nat. gas
state farm also .had brunco wood and coal combo stove and all done they looked at it and done !
- Rob R.
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Erie has a ton of customers in NY and PA.Retro_Origin wrote: ↑Sat. Apr. 09, 2022 3:24 pmErie just asked me to send a picture of the unit to be sure I didn't have gasoline cans or piles of drier lint stacked near by...they were so easy and workable!
Whoops, sorry I just saw you said NY and I'm in PA. Sorry don't know how to delete this post.
- coaledsweat
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They want a permit and Fire Marshall's cert for stoves because insurance companies consider them to be "supplemental heating sources." Boilers and furnaces they don't want anything because they are "standard heating sources."
- freetown fred
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State Farm--home, vehicles, out buildings, etc--real reasonable
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I currently have State Farm but my friend who deals with the insurance end of things he owns a flood control company so does demo and gut work from fire busted pipes flooding sewage backups ect and said State Farm has denied many claim with loop holes
- freetown fred
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Are you anywhere near Cortland, NY??????
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It’s a little over 3 hours south of me I’m near massena on Canadian border
- Rob R.
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- Stoker Coal Boiler: EFM 520
- Hand Fed Coal Stove: Chubby Jr
http://www.erieinsurance.com/agencies/nn1185Soccer918843 wrote: ↑Sun. Apr. 10, 2022 2:17 pmIt’s a little over 3 hours south of me I’m near massena on Canadian border
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Thanks I actually called them the other day they were about $50 more than I pay now for home and auto combined but if they are good to deal with I may switch. They did not ask any questions only if I have a swimming pool should I make sure they know I have a coal stove to be covered?
- Rob R.
- Site Moderator
- Posts: 17977
- Joined: Fri. Dec. 28, 2007 4:26 pm
- Location: Chazy, NY
- Stoker Coal Boiler: EFM 520
- Hand Fed Coal Stove: Chubby Jr
It is easy to focus on the price of the insurance, but it is far more important that they actually take care of you when something goes wrong. Tell them you have a coal stove if you are worried about it, and ask if they can sharpen their pencil.Soccer918843 wrote: ↑Sun. Apr. 10, 2022 3:57 pmThanks I actually called them the other day they were about $50 more than I pay now for home and auto combined but if they are good to deal with I may switch. They did not ask any questions only if I have a swimming pool should I make sure they know I have a coal stove to be covered?